---
type: country
domain: crypto-regulation
status: stable
tags: ["crypto-regulation", "europe", "moneyval", "restricted"]
aliases: ["MD", "MDA"]
created: 2026-06-01
updated: 2025-06-01
compile_into: ["[[country--moldova]]"]
sources:
  - name: "National Bank of Moldova"
    url: "https://www.bnm.md"
    type: "official"
---

# 🇲🇩 [[country--moldova|Moldova]] (MD) — Crypto Regulation

> Moldova currently lacks a dedicated crypto-assets law. The National Bank of Moldova (BNM) has explicitly not authorized virtual currency services and warns of their risks, characterizing crypto as not suitable for payments. Crypto ownership is tolerated but payment use is prohibited. Moldova is drafting a [[concept--mica|MiCA]]-aligned crypto law jointly overseen by BNM and CNPF, targeting adoption by end of 2026 with a 12% tax on profits from crypto transactions. Licensing will be required once the law enters force.

## Overview

| Field | Value |
|-------|-------|
| Status | Restricted |
| Risk Score | 55/100 (High Risk) |
| Enforcement Level | Low |
| Region | [[domain--europe|europe]] |
| Currency | [[entity--mdl|MDL]] |

## Tax

| Type | Rate |
|------|------|
| Capital Gains (Personal) | 12% income tax may apply |
| Capital Gains (Corporate) | 12% corporate tax |
| VAT on Crypto | No |
| Mining Tax | No specific guidance |
| Staking Tax | No specific guidance |
| Airdrop Tax | No specific guidance |

No specific crypto tax guidance. General income tax of 12% may apply.

## Licensing

| Field | Value |
|-------|-------|
| Required | No |
| Regulator | BNM and CNPF (joint) |
| Framework | Draft Crypto-Assets Market Law (MiCA-aligned) — in development, not yet in force |
| Ease | N/A |
| Cost | N/A |
| Timeline | N/A months |

No crypto-specific licensing. BNM has warned against crypto and does not recognize it as legal tender.

## AML / KYC

| Field | Value |
|-------|-------|
| KYC Required | Yes |
| Travel Rule | No |
| FATF Member | No |
| FATF Status | largely_compliant |

## DeFi

**Status:** Unclear

No specific DeFi regulation

## Stablecoins

**Status:** no_rules

No specific stablecoin framework

## NFTs

**Status:** no_rules

No specific NFT regulation

## Mining

| Field | Value |
|-------|-------|
| Legal | Yes |
| Electricity Cost | $0.1/kWh |
| Renewable Energy | 30% |
| Climate | temperate |
| Infrastructure | fair |

Electricity cost and renewable energy percentage are based on current known data. No explicit mining regulations found.

## Geopolitics

| Field | Value |
|-------|-------|
| Stability | moderate |
| Sanctions | No |
| Corruption Index | 35/100 |
| Ease of Business | moderate |
| Internet Freedom | partly_free |
| Banking Access | moderate |

## Enforcement

No significant enforcement actions reported

## CBDC Status: unknown

## FAQ

### Is cryptocurrency legal in Moldova?

Moldova currently lacks a dedicated crypto-assets law. The National Bank of Moldova (BNM) has explicitly not authorized virtual currency services and warns of their risks, characterizing crypto as not suitable for payments. Crypto ownership is tolerated but payment use is prohibited. Moldova is drafting a MiCA-aligned crypto law jointly overseen by BNM and CNPF, targeting adoption by end of 2026 with a 12% tax on profits from crypto transactions. Licensing will be required once the law enters fo

### What is the FATF status of Moldova?

Moldova is classified by FATF as: largely_compliant.

### What is the AML/KYC regime in Moldova?

KYC is mandatory for crypto businesses.

---

*Data source: [Soken Crypto Legal Map](https://soken.dev/crypto-map/). Last reviewed: 2026-06-01.*

**Sources:**
- [National Bank of Moldova](https://www.bnm.md)